Fill in this information to identify your case:

United States Bankruptcy Court for the:

NORTHERN DISTRICT OF ILLINOIS

Case number (if known) Chapter you are filing under:

 Chapter 7

 Chapter 11

 Chapter 12

 Chapter 13  Check if this an

amended filing

Official Form 101

Voluntary Petition for Individuals Filing for Bankruptcy 12/15

The bankruptcy forms use you and Debtor 1 to refer to a debtor filing alone. A married couple may file a bankruptcy case together—called a joint

case—and in joint cases, these forms use you to ask for information from both debtors. For example, if a form asks, “Do you own a car,” the answer

would be yes if either debtor owns a car. When information is needed about the spouses separately, the form uses Debtor 1 and Debtor 2 to distinguish

between them. In joint cases, one of the spouses must report information as Debtor 1 and the other as Debtor 2. The same person must be Debtor 1 in

all of the forms.

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct information. If

more space is needed, attach a separate sheet to this form. On the top of any additional pages, write your name and case number (if known). Answer

every question.

Part 1: Identify Yourself

About Debtor 1: About Debtor 2 (Spouse Only in a Joint Case):

1. Your full name

Write the name that is on

your government-issued

picture identification (for

example, your driver's

license or passport).

Bring your picture

identification to your

meeting with the trustee.

Kevin

First name First name

D.

Middle name Middle name

Grandberry, Sr.

Last name and Suffix (Sr., Jr., II, III) Last name and Suffix (Sr., Jr., II, III)

2. All other names you have

used in the last 8 years

Include your married or

maiden names.

Kevin Grandberry

K D Grandberry

Kevin Devain Grandberry

3. Only the last 4 digits of

your Social Security

number or federal

Individual Taxpayer

Identification number

(ITIN)

xxx-xx-9590

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 1

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Debtor 1 Kevin D. Grandberry, Sr. Case number (if known)

About Debtor 1: About Debtor 2 (Spouse Only in a Joint Case):

4. Any business names and

Employer Identification

Numbers (EIN) you have

used in the last 8 years

 I have not used any business name or EINs.  I have not used any business name or EINs.

Include trade names and

doing business as names

Business name(s) Business name(s)

EINs EINs

5. Where you live If Debtor 2 lives at a different address:

6211 S. Rhodes Avenue

Apartment 2

Chicago, IL 60637-3308

Number, Street, City, State & ZIP Code Number, Street, City, State & ZIP Code

Cook

County County

If your mailing address is different from the one

above, fill it in here. Note that the court will send any

notices to you at this mailing address.

If Debtor 2's mailing address is different from yours, fill it

in here. Note that the court will send any notices to this

mailing address.

Number, P.O. Box, Street, City, State & ZIP Code Number, P.O. Box, Street, City, State & ZIP Code

6. Why you are choosing

this district to file for

bankruptcy

Check one:

 Over the last 180 days before filing this petition,

I have lived in this district longer than in any

other district.

 I have another reason.

Explain. (See 28 U.S.C. § 1408.)

Check one:

 Over the last 180 days before filing this petition, I

have lived in this district longer than in any other

district.

 I have another reason.

Explain. (See 28 U.S.C. § 1408.)

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 2

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Debtor 1 Kevin D. Grandberry, Sr. Case number (if known)

Part 2: Tell the Court About Your Bankruptcy Case

7. The chapter of the

Bankruptcy Code you are

choosing to file under

Check one. (For a brief description of each, see Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy

(Form 2010)). Also, go to the top of page 1 and check the appropriate box.

 Chapter 7

 Chapter 11

 Chapter 12

 Chapter 13

8. How you will pay the fee  I will pay the entire fee when I file my petition. Please check with the clerk’s office in your local court for more details

about how you may pay. Typically, if you are paying the fee yourself, you may pay with cash, cashier’s check, or money

order. If your attorney is submitting your payment on your behalf, your attorney may pay with a credit card or check with

a pre-printed address.

 I need to pay the fee in installments. If you choose this option, sign and attach the Application for Individuals to Pay

The Filing Fee in Installments (Official Form 103A).

 I request that my fee be waived (You may request this option only if you are filing for Chapter 7. By law, a judge may,

but is not required to, waive your fee, and may do so only if your income is less than 150% of the official poverty line that

applies to your family size and you are unable to pay the fee in installments). If you choose this option, you must fill out

the Application to Have the Chapter 7 Filing Fee Waived (Official Form 103B) and file it with your petition.

9. Have you filed for

bankruptcy within the

last 8 years?

 No.

 Yes.

District

Northern District of

Illinois (Chicago) When 11/30/15 Case number 15-40774

District

Northern District of

Illinois (Chicago) When 4/06/15 Case number 15-12320

District See Attachment When Case number

10. Are any bankruptcy

cases pending or being

filed by a spouse who is

not filing this case with

you, or by a business

partner, or by an

affiliate?

 No

 Yes.

Debtor Relationship to you

District When Case number, if known

Debtor Relationship to you

District When Case number, if known

11. Do you rent your

residence?

 No. Go to line 12.

 Yes. Has your landlord obtained an eviction judgment against you and do you want to stay in your residence?

 No. Go to line 12.

 Yes. Fill out Initial Statement About an Eviction Judgment Against You (Form 101A) and file it with this

bankruptcy petition.

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 3

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Debtor 1 Kevin D. Grandberry, Sr. Case number (if known)

Part 3: Report About Any Businesses You Own as a Sole Proprietor

12. Are you a sole proprietor

of any full- or part-time

business?

 No. Go to Part 4.

 Yes. Name and location of business

A sole proprietorship is a

business you operate as

an individual, and is not a

separate legal entity such

as a corporation,

partnership, or LLC.

Name of business, if any

If you have more than one

sole proprietorship, use a

separate sheet and attach

it to this petition.

Number, Street, City, State & ZIP Code

Check the appropriate box to describe your business:

 Health Care Business (as defined in 11 U.S.C. § 101(27A))

 Single Asset Real Estate (as defined in 11 U.S.C. § 101(51B))

 Stockbroker (as defined in 11 U.S.C. § 101(53A))

 Commodity Broker (as defined in 11 U.S.C. § 101(6))

 None of the above

13. Are you filing under

Chapter 11 of the

Bankruptcy Code and are

you a small business

debtor?

If you are filing under Chapter 11, the court must know whether you are a small business debtor so that it can set appropriate

deadlines. If you indicate that you are a small business debtor, you must attach your most recent balance sheet, statement of

operations, cash-flow statement, and federal income tax return or if any of these documents do not exist, follow the procedure

in 11 U.S.C. 1116(1)(B).

For a definition of small

business debtor, see 11

U.S.C. § 101(51D).

 No. I am not filing under Chapter 11.

 No. I am filing under Chapter 11, but I am NOT a small business debtor according to the definition in the Bankruptcy

Code.

 Yes. I am filing under Chapter 11 and I am a small business debtor according to the definition in the Bankruptcy Code.

Part 4: Report if You Own or Have Any Hazardous Property or Any Property That Needs Immediate Attention

14. Do you own or have any

property that poses or is

alleged to pose a threat

of imminent and

identifiable hazard to

public health or safety?

Or do you own any

property that needs

immediate attention?

 No.

 Yes.

What is the hazard?

If immediate attention is

needed, why is it needed?

For example, do you own

perishable goods, or

livestock that must be fed,

or a building that needs

urgent repairs?

Where is the property?

Number, Street, City, State & Zip Code

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 4

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Debtor 1 Kevin D. Grandberry, Sr. Case number (if known)

Part 5: Explain Your Efforts to Receive a Briefing About Credit Counseling

About Debtor 1: About Debtor 2 (Spouse Only in a Joint Case):

15. Tell the court whether

you have received a

briefing about credit

counseling.

The law requires that you

receive a briefing about

credit counseling before

you file for bankruptcy.

You must truthfully check

one of the following

choices. If you cannot do

so, you are not eligible to

file.

If you file anyway, the court

can dismiss your case, you

will lose whatever filing fee

you paid, and your

creditors can begin

collection activities again.

You must check one: You must check one:

 I received a briefing from an approved credit

counseling agency within the 180 days before I

filed this bankruptcy petition, and I received a

certificate of completion.

Attach a copy of the certificate and the payment

plan, if any, that you developed with the agency.

 I received a briefing from an approved credit

counseling agency within the 180 days before I filed

this bankruptcy petition, and I received a certificate of

completion.

Attach a copy of the certificate and the payment plan, if

any, that you developed with the agency.

 I received a briefing from an approved credit

counseling agency within the 180 days before I

filed this bankruptcy petition, but I do not have

a certificate of completion.

Within 14 days after you file this bankruptcy

petition, you MUST file a copy of the certificate and

payment plan, if any.

 I received a briefing from an approved credit

counseling agency within the 180 days before I filed

this bankruptcy petition, but I do not have a certificate

of completion.

Within 14 days after you file this bankruptcy petition, you

MUST file a copy of the certificate and payment plan, if

any.

 I certify that I asked for credit counseling

services from an approved agency, but was

unable to obtain those services during the 7

days after I made my request, and exigent

circumstances merit a 30-day temporary waiver

of the requirement.

To ask for a 30-day temporary waiver of the

requirement, attach a separate sheet explaining

what efforts you made to obtain the briefing, why

you were unable to obtain it before you filed for

bankruptcy, and what exigent circumstances

required you to file this case.

Your case may be dismissed if the court is

dissatisfied with your reasons for not receiving a

briefing before you filed for bankruptcy.

If the court is satisfied with your reasons, you must

still receive a briefing within 30 days after you file.

You must file a certificate from the approved

agency, along with a copy of the payment plan you

developed, if any. If you do not do so, your case

may be dismissed.

Any extension of the 30-day deadline is granted

only for cause and is limited to a maximum of 15

days.

 I certify that I asked for credit counseling services

from an approved agency, but was unable to obtain

those services during the 7 days after I made my

request, and exigent circumstances merit a 30-day

temporary waiver of the requirement.

To ask for a 30-day temporary waiver of the requirement,

attach a separate sheet explaining what efforts you made

to obtain the briefing, why you were unable to obtain it

before you filed for bankruptcy, and what exigent

circumstances required you to file this case.

Your case may be dismissed if the court is dissatisfied

with your reasons for not receiving a briefing before you

filed for bankruptcy.

If the court is satisfied with your reasons, you must still

receive a briefing within 30 days after you file. You must

file a certificate from the approved agency, along with a

copy of the payment plan you developed, if any. If you do

not do so, your case may be dismissed.

Any extension of the 30-day deadline is granted only for

cause and is limited to a maximum of 15 days.

 I am not required to receive a briefing about

credit counseling because of:

 I am not required to receive a briefing about credit

counseling because of:

 Incapacity.

I have a mental illness or a mental deficiency

that makes me incapable of realizing or

making rational decisions about finances.

 Incapacity.

I have a mental illness or a mental deficiency that

makes me incapable of realizing or making rational

decisions about finances.

 Disability.

My physical disability causes me to be

unable to participate in a briefing in person,

by phone, or through the internet, even after I

reasonably tried to do so.

 Disability.

My physical disability causes me to be unable to

participate in a briefing in person, by phone, or

through the internet, even after I reasonably tried to

do so.

 Active duty.

I am currently on active military duty in a

military combat zone.

 Active duty.

I am currently on active military duty in a military

combat zone.

If you believe you are not required to receive a

briefing about credit counseling, you must file a

motion for waiver credit counseling with the court.

If you believe you are not required to receive a briefing

about credit counseling, you must file a motion for waiver

of credit counseling with the court.

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 5

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Debtor 1 Kevin D. Grandberry, Sr. Case number (if known)

Part 6: Answer These Questions for Reporting Purposes

16. What kind of debts do

you have?

16a. Are your debts primarily consumer debts? Consumer debts are defined in 11 U.S.C. § 101(8) as “incurred by an

individual primarily for a personal, family, or household purpose.”

 No. Go to line 16b.

 Yes. Go to line 17.

16b. Are your debts primarily business debts? Business debts are debts that you incurred to obtain

money for a business or investment or through the operation of the business or investment.

 No. Go to line 16c.

 Yes. Go to line 17.

16c. State the type of debts you owe that are not consumer debts or business debts

17. Are you filing under

Chapter 7?

 No. I am not filing under Chapter 7. Go to line 18.

Do you estimate that

after any exempt

property is excluded and

administrative expenses

are paid that funds will

be available for

distribution to unsecured

creditors?

 Yes. I am filing under Chapter 7. Do you estimate that after any exempt property is excluded and administrative expenses

are paid that funds will be available to distribute to unsecured creditors?

 No

 Yes

18. How many Creditors do

you estimate that you

owe?

 1-49

 50-99

 100-199

 200-999

 1,000-5,000

 5001-10,000

 10,001-25,000

 25,001-50,000

 50,001-100,000

 More than100,000

19. How much do you

estimate your assets to

be worth?

 $0 - $50,000

 $50,001 - $100,000

 $100,001 - $500,000

 $500,001 - $1 million

 $1,000,001 - $10 million

 $10,000,001 - $50 million

 $50,000,001 - $100 million

 $100,000,001 - $500 million

 $500,000,001 - $1 billion

 $1,000,000,001 - $10 billion

 $10,000,000,001 - $50 billion

 More than $50 billion

20. How much do you

estimate your liabilities

to be?

 $0 - $50,000

 $50,001 - $100,000

 $100,001 - $500,000

 $500,001 - $1 million

 $1,000,001 - $10 million

 $10,000,001 - $50 million

 $50,000,001 - $100 million

 $100,000,001 - $500 million

 $500,000,001 - $1 billion

 $1,000,000,001 - $10 billion

 $10,000,000,001 - $50 billion

 More than $50 billion

Part 7: Sign Below

For you I have examined this petition, and I declare under penalty of perjury that the information provided is true and correct.

If I have chosen to file under Chapter 7, I am aware that I may proceed, if eligible, under Chapter 7, 11,12, or 13 of title 11,

United States Code. I understand the relief available under each chapter, and I choose to proceed under Chapter 7.

If no attorney represents me and I did not pay or agree to pay someone who is not an attorney to help me fill out this

document, I have obtained and read the notice required by 11 U.S.C. § 342(b).

I request relief in accordance with the chapter of title 11, United States Code, specified in this petition.

I understand making a false statement, concealing property, or obtaining money or property by fraud in connection with a

bankruptcy case can result in fines up to $250,000, or imprisonment for up to 20 years, or both. 18 U.S.C. §§ 152, 1341, 1519,

and 3571.

/s/ Kevin D. Grandberry, Sr.

Kevin D. Grandberry, Sr. Signature of Debtor 2

Signature of Debtor 1

Executed on August 11, 2016 Executed on

MM / DD / YYYY MM / DD / YYYY

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 6

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Debtor 1 Kevin D. Grandberry, Sr. Case number (if known)

For your attorney, if you are

represented by one

If you are not represented by

an attorney, you do not need

to file this page.

I, the attorney for the debtor(s) named in this petition, declare that I have informed the debtor(s) about eligibility to proceed

under Chapter 7, 11, 12, or 13 of title 11, United States Code, and have explained the relief available under each chapter

for which the person is eligible. I also certify that I have delivered to the debtor(s) the notice required by 11 U.S.C. § 342(b)

and, in a case in which § 707(b)(4)(D) applies, certify that I have no knowledge after an inquiry that the information in the

schedules filed with the petition is incorrect.

/s/ J. Kevin Benjamin ARDC #: Date August 11, 2016

Signature of Attorney for Debtor MM / DD / YYYY

J. Kevin Benjamin ARDC #:

Printed name

Benjamin | Brand | LLP

Firm name

1016 W. Jackson Boulevard

Chicago, IL 60607-2914

Number, Street, City, State & ZIP Code

Contact phone (312) 853-3100 Email address attorneys@benjaminlaw.com

6202321

Bar number & State

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 7

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Debtor 1 Kevin D. Grandberry, Sr. Case number (if known)

Fill in this information to identify your case:

Debtor 1 Kevin D. Grandberry, Sr.

First Name Middle Name Last Name

Debtor 2

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS

Case number

(if known)  Check if this is an

amended filing

FORM 101. VOLUNTARY PETITION

Prior Bankruptcy Cases Filed Attachment

District Case Number Date Filed

Northern District of Illinois (Chicago) 15-40774 11/30/15

Northern District of Illinois (Chicago) 15-12320 4/06/15

Northern District of Ilinois (Chicago) 00-21470 7/24/00

Northern Distict of Illinois (Chicago) 97-10158 4/03/97

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 8

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B2030 (Form 2030) (12/15)

United States Bankruptcy Court

Northern District of Illinois

In re Kevin D. Grandberry, Sr. Case No.

Debtor(s) Chapter 13

DISCLOSURE OF COMPENSATION OF ATTORNEY FOR DEBTOR(S)

1. Pursuant to 11 U .S.C. § 329(a) and Fed. Bankr. P. 2016(b), I certify that I am the attorney for the above named debtor(s) and that

compensation paid to me within one year before the filing of the petition in bankruptcy, or agreed to be paid to me, for services rendered or to

be rendered on behalf of the debtor(s) in contemplation of or in connection with the bankruptcy case is as follows:

For legal services, I have agreed to accept $ 4,000.00

Prior to the filing of this statement I have received $ 500.00

Balance Due $ 3,500.00

2. $ 310.00 of the filing fee has been paid.

3. The source of the compensation paid to me was:

 Debtor  Other (specify):

4. The source of compensation to be paid to me is:

 Debtor  Other (specify):

5.  I have not agreed to share the above-disclosed compensation with any other person unless they are members and associates of my law firm.

 I have agreed to share the above-disclosed compensation with a person or persons who are not members or associates of my law firm. A

copy of the agreement, together with a list of the names of the people sharing in the compensation is attached.

6. In return for the above-disclosed fee, I have agreed to render legal service for all aspects of the bankruptcy case, including:

a. Analysis of the debtor's financial situation, and rendering advice to the debtor in determining whether to file a petition in bankruptcy;

b. Preparation and filing of any petition, schedules, statement of affairs and plan which may be required;

c. Representation of the debtor at the meeting of creditors and confirmation hearing, and any adjourned hearings thereof;

d. [Other provisions as needed]

Services that are included in the firm's representation are defined specifically in the attorney client retainer

agreement executed between the parties and no other legal services are included.

7. By agreement with the debtor(s), the above-disclosed fee does not include the following service:

Services that are included in the firm's representation are defined specifically in the attorney client retainer

agreement executed between the parties and no other legal services are included and therefore are excluded.

CERTIFICATION

I certify that the foregoing is a complete statement of any agreement or arrangement for payment to me for representation of the debtor(s) in

this bankruptcy proceeding.

August 11, 2016 /s/ J. Kevin Benjamin ARDC #:

Date J. Kevin Benjamin ARDC #: 6202321

Signature of Attorney

Benjamin | Brand | LLP

1016 W. Jackson Boulevard

Chicago, IL 60607-2914

(312) 853-3100 Fax: (312) 577-1707

attorneys@benjaminlaw.com

Name of law firm

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UNITED STATES BANKRUPTCY COURT 

NORTHERN DISTRICT OF ILLINOIS 

RIGHTS AND RESPONSIBILITIES AGREEMENT BETWEEN 

CHAPTER 13 DEBTORS AND THEIR ATTORNEYS 

(Court-Approved Retention Agreement, Revised as of 4/20/2015) 

Chapter 13 gives debtors important rights, such as the right to keep property that could 

otherwise be lost through repossession or foreclosure, but Chapter 13 also puts burdens on 

debtors, such as the burden of making complete and truthful disclosures of their financial 

situation. It is important for debtors who file a Chapter 13 bankruptcy case to understand their 

rights and responsibilities in bankruptcy. In this connection, the advice of an attorney is often 

crucial. Debtors are entitled to certain services from their attorneys, but debtors also have 

responsibilities to their attorneys. In order to assure that debtors and their attorneys understand 

their rights and responsibilities in the Chapter 13 process, the judges of the Bankruptcy Court for 

the Northern District of Illinois have approved this agreement, setting out the rights and 

responsibilities of both debtors in Chapter 13 and their attorneys, including how their attorneys 

will be paid for their services in the Chapter 13 case. By signing this agreement, debtors and 

their attorneys accept these responsibilities. 

The Bankruptcy Code may require a debtor's attorney to provide the debtor with certain 

documents and agreements at the start of the representation. The terms of this court-approved 

agreement take the place of any conflicting provision in an earlier agreement. This agreement 

cannot be modified in any way by other agreements. Any provision of another agreement 

between the debtors and the attorney that conflicts with this agreement is void. 

A. BEFORE THE CASE IS FILED 

THE DEBTOR AGREES TO: 

1. Discuss with the attorney the debtor's objectives in filing the case. 

2. Provide the attorney with full, accurate and timely information, financial and otherwise, 

including properly documented proof of income. 

THE ATTORNEY AGREES TO: 

1. Personally counsel the debtor regarding the advisability of filing either a Chapter 13 or a Chapter 7 

case, discuss both procedures (as well as non-bankruptcy options) with the debtor, and answer the 

debtor's questions. 

2. Personally explain to the debtor that the attorney is being engaged to represent the debtor on all 

matters arising in the case, as required by Local Bankruptcy Rule, and explain how and when the 

attorney's fees and the trustee's fees are detennined and paid. 

3. Personally review with the debtor and sign the completed petition, plan, statements, and schedules, 

as well as all amendments thereto, whether filed with the petition or later. (The schedules may be 

initially prepared with the help of clerical or paralegal staff of the attorney's office, but personal 

attention of the attorney is required for the review and signing.) 

4. Timely prepare and file the debtor's petition, plan, statements, and schedules. 

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5. Explain to the debtor how, when, and where to make all necessary payments, including both 

payments that must be made directly to creditors and payments that must be made to the Chapter 13 

trustee, with particular attention to housing and vehicle payments. 

6. Advise the debtor of the need to maintain appropriate insurance. 

B. AFTER THE CASE IS FILED 

THE DEBTOR AGREES TO: 

1. Make the required payments to the trustee and to whatever creditors are being paid 

directly, or, if required payments cannot be made, to notify the attorney immediately. 

2. Appear punctually at the meeting of creditors (also called the "341 meeting") with recent 

proof of income and a picture identification card. (If the identification card does not include 

the debtor's social security number, the debtor must also bring to the meeting a social security 

card.) The debtor must be present in time for check-in and when the case is called for the 

actual examination. 

3. Notify the attorney of any change in the debtor's address or telephone number. 

4. Inform the attorney of any wage garnishments or liens or levies on assets that occur or 

continue after the filing of the case. 

5. Contact the attorney immediately if the debtor loses employment, has a significant change 

in income, or experiences any other significant change in financial situation (such as serious 

illness, marriage, divorce or separation, lottery winnings, or an inheritance). 

6. Notify the attorney if the debtor is sued or wishes to file a lawsuit (including divorce.) 

7. Inform the attorney if any tax refunds to which the debtor is entitled are seized or not 

received when due from the IRS or Illinois Department of Revenue. 

8. Contact the attorney before buying, refinancing, or selling real property, and before 

entering into any loan agreement. 

9. Supply the attorney with copies of all tax returns filed while the case is pending. 

THE ATTORNEY AGREES TO: 

1. Advise the debtor of the requirement to attend the meeting of creditors, and notify the 

debtor of the date, time, and place of the meeting. 

2. Inform the debtor that the debtor must be punctual and, in the case of a joint filing, that 

both spouses must appear at the same meeting. 

3. Provide knowledgeable legal representation for the debtor at the meeting of creditors (in 

time for check-in and the actual examination) and, unless excused by the trustee, for the 

confirmation hearing. 

4. If the attorney will be employing another attorney to attend the 341 meeting or any court 

hearing, personally explain to the debtor in advance, the role and identity of the other 

2 

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attorney and provide the other attorney with the file in sufficient time to review it and 

properly represent the debtor. 

5. Timely submit to the Chapter 13 trustee properly documented proof of income for the 

debtor, including business reports for self-employed debtors. 

6. Timely respond to objections to plan confirmation and, where necessary, prepare, file, and 

serve an amended plan. 

7. Timely prepare, file, and serve any necessary statements, amended statements, and 

schedules and any change of address, in accordance with information provided by the debtor. 

8. Monitor all incoming case information (including, but not limited to, Order Confirming 

Plan, Notice oflntent to Pay Claims, and 6-month status reports) for accuracy and 

completeness. Contact the trustee promptly regarding any discrepancies. 

9. Be available to respond to the debtor's questions throughout the term of the plan. 

10. Prepare, file, and serve timely modifications to the plan after confirmation, when 

necessary, including modifications to suspend, lower, or increase plan payments. 

11 . Prepare, file, and serve necessary motions to buy or sell property and to incur debt. 

12. Object to improper or invalid claims. 

13. Timely respond to the Chapter 13 trustee's motions to dismiss the case, such as for 

payment default, or unfeasibility, and to motions to increase the percentage payment to 

unsecured creditors. 

14. Timely respond to motions for relief from stay. 

15. Prepare, file, and serve all appropriate motions to avoid liens. 

16. Provide any other legal services necessary for the administration of the case. 

C. TERMINATION OR CONVERSION OF THE CASE AFTER ENTRY OF AN 

ORDER APPROVING FEES AND EXPENSES 

1. Approved fees and expenses paid under the provisions set out below are generally not 

refundable in the event that the case is dismissed prior to its completion, unless the dismissal is 

due to a failure by the attorney to comply with the duties set out in this agreement. If such a 

dismissal is due to a failure by the attorney, the court may order a refund of fees on motion by 

the debtor. 

2. If the case is dismissed after approval of the fees and expenses but before payment of all 

allowed fees and expenses, the order entered by the Bankruptcy Court allowing the fees and 

expenses is not a judgment against the debtor for the unpaid fees and expenses based on contract 

law or otherwise. 

3. If the case is converted to a case under chapter 7 after approval of the fees and expenses under 

this agreement but before the payment of all fees and expenses, the attorney will be entitled to an 

administrative claim in the chapter 7 case for any unpaid fees and expenses, pursuant to section 

3 

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726(b) of the Bankruptcy Code, plus any conversion fee the attorney pays on behalf of the 

debtor. 

D. RETAINERS AND PREVIOUS PAYMENTS 

1. The attorney may receive a retainer or other payment before filing the case but may not 

receive fees directly from the debtor after the filing of the case. Unless the following provision is 

checked and completed, any retainer received by the attorney will be treated as a security 

retainer, to be placed in the attorney's client trust account until approval of a fee application by 

the court. 

•The attorney seeks to have the retainer received by the attorney treated as an advance 

payment retainer, which allows the attorney to take the retainer into income immediately. 

The attorney hereby provides the following further information and representations: 

(a) The special purpose for the advance payment retainer and why it is advantageous to 

the debtor is as follows: 

The Debtor and Attorney have entered into an advance payment retainer for 

pre-confirmation work including but not limited to the preparation of the petition and plan filing 

of the case and any amendments necessary for confirmation. 

(b) The retainer will not be held in a client trust account and will become property of the 

attorney upon payment and will be deposited into the attorney's general account; 

( c) The retainer is a flat fee for the services to be rendered during the chapter 13 case 

and will be applied for such services without the need for the attorney to keep 

detailed hourly time records for the specific services performed for the debtor; 

( d) Any portion of the retainer that is not earned or required for expenses will be 

refunded to the client; and 

( e) The attorney is unwilling to represent the debtor without receiving an advanced 

payment retainer because of the nature of the chapter 13 case, the fact that the great 

majority of services for such case are performed prior to its filing, and the risks 

associated with the representation of debtors in bankruptcy cases in general. 

2. In any application for compensation the attorney must disclose to the court any fees or other 

compensation paid by the debtor to the attorney for any reason within the one year before the 

case filing. 

E. CONDUCT AND DISCHARGE 

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1. Improper conduct by the attorney. If the debtor disputes the sufficiency or quality of the legal 

services provided or the amount of the fees charged by the attorney, the debtor may file an 

objection with the court and request a hearing. 

2. Improper conduct by the debtor. If the attorney believes that the debtor is not complying with 

the debtor's responsibilities under this agreement or is otherwise engaging in improper conduct, 

the attorney may apply for a court order allowing the attorney to withdraw from the case. 

3. Discharge of the attorney. The debtor may discharge the attorney at any time. 

F. ALLOWANCE AND PAYMENT OF ATTORNEYS' FEES AND EXPENSES 

1. Any attorney retained to represent a debtor in a Chapter 13 case is responsible for representing 

the debtor on all matters arising in the case unless otherwise ordered by the court. For all of the 

services outlined above, the attorney will be paid a flat fee of $4,ooo.oo 

2. In addition, the debtor will pay the filing fee required in the case of $31 o.oo 

3. Before signing this agreement, the attorney has received, $500.00 

toward the flat fee, leaving a balance due of $3,500.00; and $363.00 for expenses, 

leaving a balance due for the filing fee of $0.00 

4. In extraordinary circumstances, such as extended evidentiary hearings or appeals, the attorney 

may apply to the court for additional compensation for these services. Any such application must 

be accompanied by an itemization of the services rendered, showing the date, the time expended, 

and the identity of the attorney performing the services. The debtor must be served with a copy 

of the application and notified of the right to appear in court to object. 

Date: August 11, 2016 

Signed: 

Isl Kevin D. Grandberry, Sr. 

Kevin D. Grandberry, Sr. 

~~--~- Debtor(s) 

Isl J. Kevin Benjamin ARDC #: 

J. Kevin Benjamin ARDC #: 6202321 

Attorney for the Debtor(s) 

Do not sign this agreement if the amounts are blank. 

Local Bankruptcy Form 23c 

5 

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United States Bankruptcy Court

Northern District of Illinois

In re Kevin D. Grandberry, Sr. Case No.

Debtor(s) Chapter 13

VERIFICATION OF CREDITOR MATRIX

Number of Creditors: 64

The above-named Debtor(s) hereby verifies that the list of creditors is true and correct to the best of my

(our) knowledge.

Date: August 11, 2016 /s/ Kevin D. Grandberry, Sr.

Kevin D. Grandberry, Sr.

Signature of Debtor

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}bk1{Credito AresMatix}bk{

Ally Financial

PO Box 380903

Minneapolis, MN 55438-0903

Ally Financial

PO Box 380901

Bloomington, MN 55438

Ally Financial

200 Renaissance Ctr

Detroit, MI 48243

Ally Financial

PO Box 130424

Saint Paul, MN 55113-0004

Americash

PO Box 184

Des Plaines, IL 60016

Americash loans

POB 184

Des Plains, IL 60016

Aspire

PO Box 105555

Atlanta, GA 30348

AT&T Security systems

POB 6416

Carol Stream, IL 60197

Atlas Acqusitions LLC

294 Union Street

Hackensack, NJ 07601

Capital One

Attn: Bankruptcy

Po Box 30285

Salt Lake City, UT 84130

Capital One

Po Box 30285

Salt Lake City, UT 84130

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Capital One

15000 Capital One Dr

Richmond, VA 23238

Capital One Auto Finance

POB 255605

Sacramento, CA 95865-5605

City of Chicago

Department of Revenue

POBox 88292

Chicago, IL 60680-1292

City of Chicago

Department of Revenue

POBox 88292

Chicago, IL 60680-1292

City of Chicago

Bureau of Parking - Bankruptcy

121 N. LaSalle Street, Room 107A

Chicago, IL 60602

City of chicago Water billing

PO Box 6330

Chicago, IL 60680

ComEd

POB 6111

Carol Stream, IL 60197-6111

Comenity Bank

PO Box 659728

San Antonio, TX 78265

Comenity Bank/Victoria Secret

Po Box 182789

Columbus, OH 43218

Comenity Bank/Victoria Secret

Po Box 659728

San Antonio, TX 78265

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Comenity Capital Bank/HSN

Attn: Bankruptcy

Po Box 183043

Columbus, OH 43218

Commonwealth Edison

3 Lincoln Center

Attn Bank Dept

Oak Brook Terrace, IL 60181

Credit One Bank Na

Po Box 98873

Las Vegas, NV 89193

Credit One Bank Na

Po Box 98872

Las Vegas, NV 89193

Dish Network

9601 S. Meridian Blvd

Englewood Co., CO 80112

Divison of Traffic Safety

Accident Records Division

1340 N 9th St

Springfield, IL 62766-0001

Equifax Credit Information Services

Bankruptcy Department

P.O Box 740241

Atlanta, GA 30374-0241

Experian

Bankruptcy Dept

P.O.Box 2002

Allen, TX 75013

Fidelity Brokerage Services, LLC

900 Salem Street

Smithfield, RI 02917

Fidelity Investments

1 North LaSalle Street

Suite 100

Chicago, IL 60602

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Harris & Harris

600 W Jackson Blvd, Suite 400

Chicago, IL 60661

Harvest Moon

8 Crestwood Road

Boulevard, CA 91905

Il Dept of Human Services

100 South Grand Ave East

(800) 843-6154

Springfield, IL 62762

IL Dept of Human Services

401 S. Clinton Street

(800) 843-6154

Chicago, IL 60607

Il Dept of Transportation

Div of Trans/ Crash Records Section

130 North 9th St

Springfield, IL 62766-0020

Ill Cash Advance

1352 N. Green Bay RD

Waukegan, WI 60085

Internal Revenue Service

Centralized Insolvency Operation

PO Box 7346

Philadelphia, PA 19101-7346

Internal Revenue Service

Centralized Insolvency Operation

POB 7317

Philadelphia, PA 19101-7317

Jutla Sanjay, Esq.

c/o Asset Acceptance

55 E. Jackson, 16th Floor

Chicago, IL 60604

Jutla Sanjay, Esq.

for Asset Acceptance

11 E ADAMS #906

Chicago, IL 60603

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Law Office of Clay Mossberg

c/o American General Finance

20 N. Clark Street, Suite 2600

Chicago, IL 60602

Law Offices of Sheryl B. Dworkin

c/o NBD Park Ridge Bank

30 N. LaSalle Street, Suite 2040

Chicago, IL 60602

Linebarger Goggan Blair & Sampson

Attorneys at Law

P O Box 06152

Chicago, IL 60606-0152

Luther Appliance & Furniture

Luther Sales

129 Oser Avenue, Suite A

Hauppauge, NY 11788

Mid America Bank & Tru

5109 S Broadband L

Sioux Falls, SD 57109

NBD Park Ridge Bank

1 Northwest Highway

Park Ridge, IL 60068

Nicor Gas

Bankruptcy Dept

POB 2020

Aurora, IL 60507-0310

One Main Financial

6801 Colwell Blvd

Irving, TX 75039

Opportunity Financial

11 E. Adams Street

Suite 501

Chicago, IL 60603

Peoples Gas

Attention: Bankruptcy Department

130 E. Randolph 17th Floor

Chicago, IL 60601

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Peoples Gas

200 E Randolph St

20th Floor

Chicago, IL 60601

Peoples Gas

130 East Randolph

Chicago, IL 60601

Porania LLC

PO Box 11405

Memphis, TN 38111

Quantum3 Group LLC as agent for

Comenity Bank

P.O.Box 788

Kirkland, WA 98083-0788

Quantum3 Group LLC as agent for

Comenity Capital Bank

P.O.Box 788

Kirkland, WA 98083-0788

Radiant Credit

Radiant Cash Loans

POB 1183

Lac Du Flambeau, WI 54538

Seterus Inc

POBox 1077

Hartford, CT 06143

Seterus, Inc.

PO Box 1047

Hartford, CT 06143

Simon & McCloskey, Ltd.

120 W. Madison Street

Suite 1100

Chicago, IL 60602

Sunrise Credit Service

260 Airport Plaza

Farmingdale, NY 11735

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Sunrise Credit Service

234 Airport Plaza Blvd S

Farmingdale, NY 11735

TransUnion

Bankruptcy Department

P.O.Box 1000

Chester, PA 19022

West River Cash, LLC

POB 30

Hays, MT 59527

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B 201B (Form 201B) (12/09)

United States Bankruptcy Court

Northern District of Illinois

In re Kevin D. Grandberry, Sr. Case No.

Debtor(s) Chapter 13

CERTIFICATION OF NOTICE TO CONSUMER DEBTOR(S)

UNDER § 342(b) OF THE BANKRUPTCY CODE

Certification of Debtor

I (We), the debtor(s), affirm that I (we) have received and read the attached notice, as required by § 342(b) of the Bankruptcy

Code.

Kevin D. Grandberry, Sr. X /s/ Kevin D. Grandberry, Sr. August 11, 2016

Printed Name(s) of Debtor(s) Signature of Debtor Date

Case No. (if known) X

Signature of Joint Debtor (if any) Date

Instructions: Attach a copy of Form B 201 A, Notice to Consumer Debtor(s) Under § 342(b) of the Bankruptcy Code.

Use this form to certify that the debtor has received the notice required by 11 U.S.C. § 342(b) only if the certification has NOT been made on the

Voluntary Petition, Official Form B1. Exhibit B on page 2 of Form B1 contains a certification by the debtor's attorney that the attorney has given the

notice to the debtor. The Declarations made by debtors and bankruptcy petition preparers on page 3 of Form B1 also include this certification.

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STATEMENT OF INFORMATION REQUIRED BY 11 U.S.C. §341

INTRODUCTION

Pursuant to the Bankruptcy Reform Act of 1994, the Office of the United States Trustee, United States Department of Justice, has prepared this information sheet to help

you understand some of the possible consequences of filing a bankruptcy petition under chapter 7 of the Bankruptcy Code. This information is intended to make you

aware of...

(1) the potential consequences of seeking a discharge in bankruptcy, including the effects on credit history;

(2) the effect of receiving a discharge of debts

(3) the effect of reaffirming a debt; and

(4) your ability to file a petition under a different chapter of the Bankruptcy Code.

There are many other provisions of the Bankruptcy Code that may affect your situation. This information sheet contains only general principles of law and is not a

substitute for legal advice. If you have questions or need further information as to how the bankruptcy laws apply to your specific case, you should consult with your

lawyer.

WHAT IS A DISCHARGE?

The filing of a chapter 7 petition is designed to result in a discharge of most of the debts you listed on your bankruptcy schedules. A discharge is a court order that says

you do not have to repay your debts, but there are a number of exceptions. Debts which may not be discharged in your chapter 7 case include, for example, most taxes,

child support, alimony, and student loans; court-ordered fines and restitution; debts obtained through fraud or deception; and personal injury debts caused by driving

while intoxicated or taking drugs. Your discharge may be denied entirely if you, for example, destroy or conceal property; destroy, conceal or falsify records; or make a

false oath. Creditors cannot ask you to pay any debts which have been discharged. You can only receive a chapter 7 discharge once every eight (8) years.

WHAT ARE THE POTENTIAL EFFECTS OF A DISCHARGE?

The fact that you filed bankruptcy can appear on your credit report for as long as 10 years. Thus, filing a bankruptcy petition may affect your ability to obtain credit in

the future. Also, you may not be excused from repaying any debts that were not listed on your bankruptcy schedules or that you incurred after you filed for bankruptcy.

WHAT ARE THE EFFECTS OF REAFFIRMING A DEBT?

After you file your petition, a creditor may ask you to reaffirm a certain debt or you may seek to do so on your own. Reaffirming a debt means that you sign and file

with the court a legally enforceable document, which states that you promise to repay all or a portion of the debt that may otherwise have been discharged in your

bankruptcy case. Reaffirmation agreements must generally be filed with the court within 60 days after the first meeting of the creditors.

Reaffirmation agreements are strictly voluntary — they are not required by the Bankruptcy Code or other state or federal law. You can voluntarily repay any debt

instead of signing a reaffirmation agreement, but there may be valid reasons for wanting to reaffirm a particular debt.

Reaffirmation agreements must not impose an undue burden on you or your dependents and must be in your best interest. If you decide to sign a reaffirmation

agreement, you may cancel it at any time before the court issues your discharge order or within sixty (60) days after the reaffirmation agreement was filed with the

court, whichever is later. If you reaffirm a debt and fail to make the payments required in the reaffirmation agreement, the creditor can take action against you to

recover any property that was given as security for the loan and you may remain personally liable for any remaining debt.

OTHER BANKRUPTCY OPTIONS

You have a choice in deciding what chapter of the Bankruptcy Code will best suit your needs. Even if you have already filed for relief under chapter 7, you may be

eligible to convert your case to a different chapter.

Chapter 7 is the liquidation chapter of the Bankruptcy Code. Under chapter 7, a trustee is appointed to collect and sell, if economically feasible, all property you own

that is not exempt from these actions.

Chapter 11 is the reorganization chapter most commonly used by businesses, but it is also available to individuals. Creditors vote on whether to accept or reject a plan,

which also must be approved by the court. While the debtor normally remains in control of the assets, the court can order the appointment of a trustee to take possession

and control of the business.

Chapter 12 offers bankruptcy relief to those who qualify as family farmers. Family farmers must propose a plan to repay their creditors over a three-to-five year period

and it must be approved by the court. Plan payments are made through a chapter 12 trustee, who also monitors the debtor’s farming operations during the pendency of

the plan.

Finally, chapter 13 generally permits individuals to keep their property by repaying creditors out of their future income. Each chapter 13 debtor writes a plan which

must be approved by the bankruptcy court. The debtor must pay the chapter 13 trustee the amounts set forth in their plan. Debtors receive a discharge after they

complete their chapter 13 repayment plan. Chapter 13 is only available to individuals with regular income whose debts do not exceed $1,347,500 ($336,900 in

unsecured debts and $1,010,650 in secured debts).

AGAIN, PLEASE SPEAK TO YOUR LAWYER IF YOU NEED FURTHER INFORMATION OR EXPLANATION,

INCLUDING HOW THE BANKRUPTCY LAWS RELATE TO YOUR SPECIFIC CASE.

/s/ Kevin D. Grandberry, Sr. August 11, 2016

Debtor's Signature Date

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